Regulations

National Health Insurance

Those who intend to stay in Japan for more than one year must obtain National Health Insurance (Kokumin-kenko-hoken). This insurance not only covers 70% of your medical fees, but is required for extension of your visa. You can register for the insurance policy at your local ward/city office.

1. Coverage

As of 2011, 70% of the total medical fees are, in general, subsidized for holders of National Health Insurance.

Covered Not covered
medical examination
medical procedures and treatment
operation
medication
home care and nursing
hospital admission and nursing
(excluding food)
plastic surgery
health check-up
immunization
delivery
abortion due to non-medical reasons
diseases and injuries caused by fights or intoxication
dental materials

2. Where to register

at your local ward/city office

3. Insurance fees

Though fees vary depending on the ward/city, they are basically determined based on your annual income. If your annual income is only from part-time jobs, your premium fees are most likely to be reduced (scholarships are not considered as income). (scholarships are not considered as income). Check with your local ward/city office for fees and methods of payment.
If you reside in Chiba City and your annual income is less than ¥980,000, your monthly payment will be approximately ¥1,600. Payment can be made at banks, ward/city offices, and/or convenience stores.
Once you are authorized for the reduced premium, you will receive a letter from your ward/city office to confirm whether you are entitled to the reduced premium for the following year. You are responsible to respond to this letter. If you fail to do so, you will be charged the regular premium in the next year.

4. How to claim

You need to present your National Health Insurance holder’s card each time you visit any medical institution. You will pay only 30% of the total medical costs.

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